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Life insurance that rewards healthy living

John Hancock Vitality

Life insurance that rewards healthy living

John Hancock Vitality

Life insurance that rewards healthy living

John Hancock Vitality

Life insurance that rewards healthy living

John Hancock Vitality

John Hancock blue logo and Vitality Logo side by side

After choosing your life insurance policy, enjoy the benefits of the John Hancock Vitality Program. Vitality rewards you for the everyday steps you take to live a longer, healthier life — like going for a walk, buying healthy food or getting a good night's sleep. The more active you are, the more you earn.


  • Protect your family

    Help preserve your family’s financial future while supporting a healthy lifestyle. 

  • Earn rewards

    Get rewarded for the everyday things you do to stay healthy with two great versions of the program, Vitality GO and Vitality PLUS.

  • Save money

    The more active you are, the greater your rewards. You can even save up to 15% on premiums with Vitality PLUS.

Explore two great versions of the John Hancock Vitality Program

Vitality PLUS

Access exclusive rewards, plus the benefits of Vitality GO. Included in the price of your policy (or available for as little as $2/month).1

  • Up to 15% in annual premium savings2
  • Earn Apple Watch for as little as $25 (or a free Fitbit™ device)3
  • Up to 50% off hotel stays with Hotels.com4
  • A one-year Amazon Prime membership5
  • Up to $600 in annual savings on fresh fruits and vegetables, with additional savings up to $120 a month on Healthy Savings weekly promoted items6
  • A free premium subscription to the Headspace® app7
  • Shopping and entertainment rewards8

Vitality GO

This basic version of the Vitality program is available at no additional cost. Enjoy shopping and fitness device discounts, as well as free subscriptions to healthy living publications.

  • discounts9
  • REI discounts10
  • 20-40% off wearable fitness devices
  • Free healthy living publications

Female runner scrolling on her smart watch

Celebrate your success

With Vitality PLUS, you can earn an Apple Watch for as little as $25 or get a free Fitbit by exercising regularly.3

How to earn your discounted fitness device

  • Register for your Vitality PLUS member account
  • Complete the Vitality Health Review (VHR)
  • Order your Apple Watch for an initial payment of $25 or your free Fitbit® device
  • The more you do, the less you pay. Qualified activities, like exercising, earn Vitality Points toward your monthly device payment.

Earn 500 Vitality Points per month from Standard or Advanced workouts over two years and you’ll pay no additional charges.

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For our current customers

Contact us

Life insurance service center
(all states except New York)


Phone: TTY#:
1-800-387-2747 1-800-832-5282
M-F, 8AM to 6PM, ET      


New York service center


Phone: Fax:
1-888-267-7781 617-572-1571
M-F, 8AM to 6PM, ET 


Mail to:
Life Post Issue Services
John Hancock Insurance
PO Box 55979
Boston, MA, 02205

1 For single life Permanent products. For Protection Term with Vitality products, the rider fee will be 3% of the policy's modal premium. For Vitality Term and Simple Term with Vitality the cost of Vitality PLUS is included within the cost of the policy.

2 Premium savings are in comparison to the same John Hancock policy without the Vitality PLUS program. Premium savings over the life of the policy will vary based upon policy type, the terms of the policy, and the level of the insured’s participation in the John Hancock Vitality program.

3 Apple Watch program is not available in New York or Puerto Rico. Apple Watches ordered through John Hancock Vitality may not be shipped to addresses in Guam. Once you become a Vitality PLUS member and complete the Vitality Health Review (VHR), you can order Apple Watch by electronically signing, at checkout, a Retail Installment Agreement with the Vitality Group, for the retail price of the watch. After an initial payment of $25 plus tax, over the next two years, monthly out of pocket payments are based on the number of Standard Workouts (10,000 to 14,999 steps) and Advanced Workouts (15,000 steps) or the applicable Active Calorie thresholds. The step counts required for Standard and Advanced Workouts are reduced for members beginning at age 71+. One-time upgrade fees plus taxes apply if you choose (GPS + Cellular) versions of Apple Watch, larger watch case sizes, certain bands and case materials. For more information, please contact a John Hancock Representative. Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved.

4 discounts are not available in New York. Depending upon the amount of coverage and policy type purchased, discounts are valid for either two nights or six nights per program year. The amount of discount will vary based upon policy type, coverage amount, and the Vitality Member’s Vitality status (Bronze, Silver, Gold, Platinum).

5 Amazon Prime benefit is not available in New York. Amazon Prime membership available to Vitality PLUS members who have reached Platinum Status for three consecutive program years.

HealthyFood savings are based on qualifying purchases and may vary based on the terms of the John Hancock Vitality Program. The HealthyFood program is currently not available in Guam.

7 The HealthyMind benefit is not available in New York. You may also use a free meditation app that is compatible with the HealthyMind program.

8 In New York, entertainment, shopping, and travel rewards are not available and are replaced by healthy living and active lifestyle rewards.

9 discounts are not available in New York.

10 REI is not affiliated with the John Hancock Vitality Program. REI does not sponsor, endorse or have any responsibility for this promotion.

Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. John Hancock Vitality Program rewards and discounts are available only to the person insured under the eligible life insurance policy, are subject to change and are not guaranteed to remain the same for the life of the policy. Rewards may vary based on the type of insurance policy purchased for the insured Vitality Program Member.

The life insurance policy describes coverage under the policy, exclusions and limitations, what you must do to keep your policy inforce, and what would cause your policy to be discontinued. Please contact your licensed agent or John Hancock for more information, costs, and complete details on coverage to help you determine which policy is suitable for your needs. Availability of policies, features, and benefits may vary by state. 
Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595 and securities are offered through John Hancock Distributors LLC through other broker/dealers that have a selling agreement with John Hancock Distributors LLC, 197 Clarendon Street, Boston, MA 02116.